Insurance sales reps work with individuals and businesses to select the best insurance products, often specializing in a specific type of insurance. They must have good sales and communication skills, and may need government certification or training. The job requires compassion and flexibility to deal with a variety of customers.
An insurance sales representative works with people and businesses that need insurance to help them select the best product. These insurance professionals usually work with a specific insurance company, selling that company’s line of products. Some may work for insurance brokers for several different companies; if so, they are familiar with a variety of insurance options available to their customers. It is also possible to choose to focus on specialized insurance products such as marine insurance, providing highly qualified services to customers who need these products.
Many lay people are not very familiar with insurance. They understand the basic concept and can get an idea of the type of need a policy is supposed to meet, such as when people buy car insurance and want to ensure they meet government insurance requirements. An insurance representative works with customers, talking about the different types of insurance available, learning more about the specifics of the customer’s situation, and offering recommendations for types of insurance and coverage.
In a simple example of what an insurance sales rep might do, when a customer is looking for home insurance, the rep might talk about the different policies available and ask the customer about the home’s value, location, the customer’s income. , and so on. The representative can provide rough estimates of premiums for various types of policies and make coverage recommendations. The insurance sales representative can also talk about packaged insurance options. For example, it may be possible to make a deal by purchasing home insurance and car insurance at the same time.
To become an insurance sales representative, you need to have a broad knowledge of insurance as well as good sales and communication skills. In some areas, people selling insurance must have government certification and may be required to complete certain training requirements. In others, no specialized training is required, but insurance companies often prefer to hire people with sales experience and may offer training courses to new employees to familiarize them with the company’s products and philosophy.
Working in insurance gives people the opportunity to work with many different types of people and deal with a variety of situations. It helps to be compassionate, flexible and caring, as well as having good people skills. You never know what kind of customer will walk through the door. For example, many people dislike the insurance buying process, especially if it accompanies a major purchase such as a home that is already stressful, and they may appreciate a caring insurance sales representative who takes a lot of the stress out of the transaction. Others may enjoy the comparison shopping process and quiz a sales rep about options.
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